Real estate development loans, as the name implies, are loans specially used by real estate development companies for real estate development projects. 1. Before lending: accurately predict the development cycle, cost and profit rate of the development project, as well as the expected source time and amount of the company's development funds, so as to predict the amount, use time and acceptable financial cost of the development loan, and avoid the waste of time caused by the early arrival of the loan and the accumulation of loan funds caused by the excessive loan amount. 2 in the process of loan, we should choose the source of loan funds through multiple channels. It is best to be familiar with the loan conditions, operation time, loan use period, capital cost and mortgage requirements of investors such as banks, trust companies and fund companies, and then compare them according to the actual situation of the company to ensure the timely and full issuance of development loans and control the loan cost within an acceptable range. 3. After the loan, that is, the loan use period: make the use plan of development funds according to the predicted construction progress, and then arrange the loan funds according to the actual construction progress. Not only ensure the timely use of funds, but also ensure the backlog and waste of funds; We should not only ensure the development progress, but also ensure that the funds can not be out of control. Furthermore, when the development project reaches the pre-sale status, it is necessary to handle the "Pre-sale Permit for Commercial Housing" in time and withdraw funds in time. It is necessary to ensure the realization of sales expectations and the timely withdrawal of funds. Only in this way can the timeliness, effectiveness, safety and integrity of loan use, withdrawal and repayment be brought into play. That is, it has achieved good economic benefits and won a good business reputation.